SME Underwriter

About the role

Renmoney is seeking an experienced SME Underwriter to join its Credit Risk Management team in Lagos. The role involves evaluating SME and corporate loan applications, structuring credit facilities, and monitoring portfolio performance in a hybrid work environment.

Key responsibilities

• Analyse financial statements, cash flow, business models and creditworthiness of SME and corporate borrowers.
• Identify and assess financial, industry, management and collateral risks, recommending appropriate mitigants.
• Structure credit facilities aligned with borrower needs and the bank’s risk appetite, including terms, pricing and security.
• Prepare detailed credit proposals or memos with clear risk analysis and recommendations.
• Coordinate due‑diligence activities with relationship managers, legal and risk teams, including site visits and document validation.
• Monitor assigned portfolio, ensure covenant compliance and flag early warning signs of credit deterioration.
• Ensure all credit decisions comply with internal policies, regulatory guidelines and approval frameworks.
• Assess collateral adequacy and work with legal to secure proper documentation.
• Collaborate with Relationship Managers, Credit Committee and other stakeholders to drive timely credit decisions.

Required profile

• Minimum three years of experience in SME underwriting or corporate credit analysis.
• Commercial banking experience as a credit analyst is a plus.
• Strong analytical ability to interpret financial statements and make data‑driven lending decisions.
• In‑depth knowledge of lending regulations, risk management principles and underwriting best practices.
• Excellent verbal and written communication skills, capable of explaining complex financial concepts.
• Strategic mindset focused on portfolio performance and risk management.

Required skills

What we offer

• Competitive compensation.
• Opportunity to work with talented colleagues in a flat‑structured, beautiful environment.
• Exposure to complex, real‑world credit challenges.
• Hybrid work model supporting work‑life balance.